BlastPoint's Banking Scorecard
The Eastern Colorado Bank
Community
Specialty: Agricultural
CO
FDIC cert 16125
Cheyenne Wells, CO
1484
banks in Community tier nationally
16 in CO
View Community leaderboard (CO) →
The Eastern Colorado Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$705.0M
+4.7% YoY
+2.5% QoQ
|
-$686.4M |
$1.4B
+2.0% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$476.1M
-1.0% YoY
+0.7% QoQ
|
-$499.4M |
$975.5M
+2.4% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$594.3M
+3.6% YoY
+2.6% QoQ
|
-$570.3M |
$1.2B
+1.7% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
1.16%
+1.4% YoY
-1.3% QoQ
|
-0.01% |
1.16%
+17.2% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
3.78%
+7.0% YoY
+0.7% QoQ
|
+0.11% |
3.66%
+9.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
66.50%
-0.6% YoY
+1.6% QoQ
|
+3.87% |
62.63%
-5.3% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
80.11%
-4.4% YoY
-1.8% QoQ
|
-2.95% |
83.06%
+0.3% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
31.29%
+13.3% YoY
+27.9% QoQ
|
+10.24% |
21.05%
-0.9% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.84%
+4.4% YoY
+0.3% QoQ
|
+2.59% |
10.24%
-0.6% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.30%
-3.8% YoY
+26.4% QoQ
|
-0.44% |
0.74%
-1.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.29% · Tier avg: 21.05%
59
59th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.66%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.84% · Tier avg: 10.24%
52
52th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
38
38th pctile
Loan-to-Deposit Ratio
Current: 80.11% · Tier avg: 83.06%
36
36th pctile
Efficiency Ratio
Current: 66.50% · Tier avg: 62.63%
27
27th pctile
Total Assets
Current: $705.0M · Tier avg: $1.4B
27
27th pctile
Total Deposits
Current: $594.3M · Tier avg: $1.2B
27
27th pctile
Total Loans
Current: $476.1M · Tier avg: $975.5M
22
22th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
Top Weaknesses
22
22th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
27
27th pctile
Total Loans
Current: $476.1M · Tier avg: $975.5M
27
27th pctile
Total Deposits
Current: $594.3M · Tier avg: $1.2B
27
27th pctile
Total Assets
Current: $705.0M · Tier avg: $1.4B
36
36th pctile
Efficiency Ratio
Current: 66.50% · Tier avg: 62.63%
38
38th pctile
Loan-to-Deposit Ratio
Current: 80.11% · Tier avg: 83.06%
52
52th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.84% · Tier avg: 10.24%
59
59th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.66%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.29% · Tier avg: 21.05%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%